FAQs

General

Where can I use the 1LINK services?

1LINK services are available at any Automated Teller Machine (ATM) as often identified by the 1LINK logo.

How do I get a card that I can use for 1LINK services? Where do I sign up?

Simply ask a customer service representative at the bank where your account is held.

What are the rules for using it?

1LINK services can be used by anyone who has a deposit account with one of 1LINK’s participating member bank.

What should I do if my debit card doesn’t work?

There could be several reasons why your card may not work. If you encounter problems you should contact your bank directly.

1LINK Shared ATM

What is the 1LINK Shared ATM service? Why do I need it?

The 1LINK Shared ATM service is a convenient way to withdraw cash from your account at an Automated Teller Machine (ATM) displaying the 1LINK logo, and not owned by your bank. Since the service is available 24 hours a day, you do not need to worry about what hours a branch is open, and you also do not have to search for an ATM belonging to your own financial institution.

Who is in charge of the 1LINK Shared ATM service ?

Each member of 1LINK administers its own Automated Teller Machine (ATM) network. This means that, should you have any questions or concerns about an ATM transaction, you need to speak to your bank directly. 1LINK manages the participating Member Bank Network, which processes all 1LINK Shared ATM transactions.

Can I use the 1LINK Shared ATM service anywhere in Pakistan?

Yes. You can use the 1LINK Shared ATM service anywhere you see the 1LINK logo on an Automated Teller Machine.

Can I use 1LINK Shared ATM outside of Pakistan?

The 1LINK Shared ATM service is only available in Pakistan. However, your bank may have an affiliation with an international Automated Teller Machine (ATM) network that allows you to use your card to access your account at participating ATMs around the world. It is a good idea to contact your bank directly, before you travel.

Will other banks have access to private or confidential information when I use their ATM?

No. Your bank does not release confidential or private information.

Is there a potential for fraud at Automated Teller Machines using the 1LINK Cash service?

The 1LINK Shared ATM service is safe and secure. Security of the service is ensured by the use of your card and confidential Personal Identification Number. Adherence to strict Pakistani and international security standards are required by all participating members.

What about lost, stolen or counterfeit cards?

A card cannot be used to withdraw cash at an Automated Teller Machine without the associated Personal Identification Number. This ensures the security of funds when a card is lost, stolen, or illegally copied. However, you do need to report lost or stolen cards to your bank immediately to avoid any possible liability.

What about the reports that criminals hold up people at bank machines and force them to withdraw cash themselves?

Although they are of great concern to the providers of the 1LINK Shared ATM service, such incidents are rare in Pakistan. However, if you feel your personal safety is at risk do not use that Automated Teller Machine. As with any robbery, personal safety must come first and you should always report the incident to police and your bank at the first available movement.

How do I send a 1LINK Inter Bank Fund Transfer?

All you need is access to an Alternate Delivery Channel on which your bank has made the service available and the account number of the person you are sending money to.

1LINK IBFT:

Access your ATM or online account (may vary from bank to bank)

Choose 1LINK IBFT within the Transfer menu options

Fill in the 1LINK IBFT information ( account number and amount)

Follow the instructions to confirm the information and complete the transfer

Can I send a 1LINK Inter Bank Fund Transfer through this site?

No. The only way you can send 1LINK IBFT is within the security of your online banking service at a participating financial institution. This way, the financial institution can identify you and process the transfer instantly.

Can I deposit a 1LINK Inter Bank Fund Transfer into a bank account in another country?

Currently the 1LINK IBFT service is only available to those who bank at a Pakistani financial institution. You will not be able to deposit your 1LINK Inter Bank Fund Transfer to a foreign bank account.

What if my financial institution does not offer the 1LINK Inter Bank Fund Transfer service?

If your financial institution does not yet offer the 1LINK Inter Bank Fund Transfer service. Please request your bank to enable the service as soon as possible in coordination with 1LINK.

Will other banks offer 1LINK Inter Bank Fund Transfers in the future?

Yes. Pakistani banks know that people want to send money quickly and easily. Watch for upcoming announcements or contact your financial institution to find out when they will be offering 1LINK Inter Bank Fund Transfers.

Are there limits on the amount I can send or receive?

1LINK has set a sending limit of PKR. 250,000 per day for every customer.

I have a business. Can I send and receive 1LINK Inter Bank Fund Transfers?

1LINK Visa Debit

What exactly is 1LINK Visa Debit?

The 1LINK Visa Debit service is provided at merchants Point-of-Sale (POS), often where you see the 1LINK logo displayed. 1LINK Visa Debit is a convenient and reliable electronic payment option which allows you to use your debit card to pay for purchases. The service is available to you during the merchants’ normal business hours.

What are the benefits of using the 1LINK Visa Debit service?

The 1LINK Visa Debit service allows you to access funds directly from your account at the time of the purchase. It is like spending cash; only the money is exchanged electronically. Your account balance is always up to date. It is also useful for shopping or for services where credit cards are not accepted. Best of all, there is no bill at the end of the month. You are able to keep track of your account balance at any time. The service is convenient, fast, safe and reliable, with less risk of loss or theft of cash. It is also faster than writing a cheque.

How do I use my debit card to pay at a merchant?

It is simply a case of having your debit card read at the Point-of-Sale terminal and following the prompts displayed on the screen. Once your transaction has been approved, your receipt will be printed for your records.

Is the debit amount taken from my account immediately or will it take time to process, like a cheque?

Since it is an online, real-time service, the debit is immediate. This means that the required funds must be available in your account at the time of purchase.

Can I still use 1LINK Visa Debit if the merchant’s terminal is with one bank, and my debit card is with another bank?

Yes. The 1LINK Visa Debit service allows you to pay for purchases directly from your deposit account at any participating merchant location, regardless of their financial institution.

Where can I use the 1LINK Visa Debit service?

You can use 1LINK Visa Debit at any participating merchant across Pakistan, from stores to clothing shops to gas stations. Look for the 1LINK logo or simply ask the merchant if they provide this payment option.

Can I use 1LINK Visa Debit across Pakistan?

Yes, you can use 1LINK Visa Debit wherever you see the 1LINK logo, or simply ask the merchant if they provide this payment option.

How is the 1LINK Visa Debit service managed?

1LINK manages the Member bank Network, which processes transactions between members. Members are connected to each other through this Network.

Fees

Why do users have to pay fees for 1LINK services?

Each card-issuing member may set transaction fees for using 1LINK services. These fees may relate to the cost of accessing your account, processing the transaction, and installing and maintaining the ATM. 1LINK does not charge fees to consumers, and does not set the fees charged by its members.